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Capital One: Open a 360 Checking Account, Receive 2+ Direct Deposits $1000+ Expired

$400 Bonus
(New Checking Account Holders)
+810 Deal Score
689,973 Views
Capital One Offers New 360 Checking Account Holders: $400 Bonus when you Open a 360 Checking Account by January 26, 2021, apply promo code BONUS400 and Receive 2 Direct Deposits totaling $1,000 or more within 60 days of account opening. Thanks karthik_r

Original Post

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Edited November 13, 2020 at 05:03 PM by
Capital One is offering $400 bonus when you open a new checking account with promo code BONUS400

To receive the bonus you must make at least 2 direct deposits totaling $1,000 or more to your 360 Checking account within 60 days of account opening

Full Details:

Capital One reserves the right to withdraw this offer, with or without notice, in its sole discretion if it is determined that fraud or any other factor beyond its control is impacting the integrity of the offer and campaign.

Here's the full scoop on how to earn your $400 bonus:
  1. Open a 360 Checking account between 12:00 a.m. ET on November 9, 2020, and 11:59 p.m. ET on January 26, 2021. When you open your account, enter your promotional code—BONUS400.
  2. Receive at least 2 direct deposits totaling $1,000 or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House (ACH) credit, which may include payroll, pension or government payments (such as Social Security) by your employer or an outside institution.
  3. This account is subject to approval. This offer cannot be combined with any other 360 Checking account opening offers. Only one promotional code is accepted. Bonus is only valid for one new 360 Checking account.
Mobile deposits are available only in the U.S. and U.S. territories.

When will I get my bonus?

Your bonus will be deposited into your new 360 Checking account by the date stated below:

Account opened the month of November 2020
Receive at least 2 direct deposits totaling $1,000 or more Within 60 days of your account opening date
Bonus will be paid by March 31, 2021

Account opened the month of December 2020
Receive at least 2 direct deposits totaling $1,000 or more Within 60 days of your account opening date
Bonus will be paid by April 30, 2021

Account opened the month of January 2021
Receive at least 2 direct deposits totaling $1,000 or more Within 60 days of your account opening date
Bonus will be paid by May 31, 2021

If you have or had an open 360 Checking account as a primary or secondary account holder with Capital One on or after January 1, 2018, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.

What you need to know about the 360 Checking account:

A rate of 0.10% Annual Percentage Yield (APY) applies to accounts with balances between $0-$49,999.99, $50,000-$99,999.99, and $100,000 or more. 360 Checking is a tiered-rate account. Advertised rates are variable and effective as of 11/13/2020. Rates in any tier are subject to change at any time before or after account opening.

The interest is calculated on a daily basis and is based on the balance in the account. Interest on your account will be compounded and credited on a monthly basis.

360 Checking customers can access over 40,000 fee-free ATMS (41,394 AllPoint® ATMs and 2,206 Capital One ATMs). ATM functionality may differ by location.

Mobile deposits are available only in the U.S. and U.S. territories.
The Capital One Mobile app has a 4.8/5-star customer rating on the App Store and is in the top 10% in the Finance App category as of 8/24/2020.
The Capital One Mobile app has a 4.6/5-star customer rating on Google Play and is in the top 10% in the Finance App category as of 8/24/2020.Web access is needed to use mobile banking. Check with your service provider for details of specific fees and charges.
The site may be unavailable during normal maintenance or due to unforeseen circumstances.Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed above are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.Products and services offered by Capital One, N.A., Member FDIC.
© 2020 Capital One. Capital One is a federally registered service mark. 15000 Capital One Drive, Attn.: 12038-0111, Richmond, Virginia 23238. To contact us by mail, please use the following address: Capital One 360, P.O. Box 360, Wilmington, DE 19899.

https://www.capitalone.com/bonus400/
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+810
689,973 Views
$400 Bonus
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

2,248 Comments

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Featured Comments

Just opened it. I can see why people missing the bonus code, it's on the external transfer account page instead of the main page. so whether you plan to add a bank account to not just visit the page and make sure the code is auto-populated if not enter/copy-paste manually. you should see a banner on the final page if code is entered. Btw I already have a capital one account so I didn't receive any alert from credit monitoring that inquiry was posted or there was a hard pull. Most of my information was auto-filled and when I clicked next it displayed - doing necessary checks, doing govt mandated checks, and verifying records and finally displayed - good to go. Thanks
Nope. When you click I will fund later, you can still see the code applied and it gives a green tick mark. Also, you can see later pages showing that.


And just to confirm, I had called the CSR after opening the account and they had confirmed that I used the promo code.

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Joined Oct 2016
L2: Beginner
> bubble2 40 Posts
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msmith2077
11-20-2020 at 11:18 AM.
11-20-2020 at 11:18 AM.
Td ameritrade posts to c1 as this

(TD AMERITRADEDepositACH OUT) hoping this qualifies. Also have an incoming webull transfer, webull says ach when doing the transfer out.
Reply
Joined Nov 2016
New User
> bubble2 137 Posts
25 Reputation
sree2233
11-20-2020 at 11:33 AM.
11-20-2020 at 11:33 AM.
Memo shows as EDI Payments. Digital transfer is the type. Weird!!
Reply
Joined Jun 2017
L1: Learner
> bubble2 21 Posts
10 Reputation
ononlo622
11-20-2020 at 12:00 PM.
11-20-2020 at 12:00 PM.
Direct deposit must be payroll? Or I can electronically transfer from my other account
Reply
Joined Jun 2017
L1: Learner
> bubble2 21 Posts
10 Reputation
ononlo622
11-20-2020 at 12:02 PM.
11-20-2020 at 12:02 PM.
Quote from chikachic817 View quoted comment :
Opened the account and am waiting to see if a transfer from Wells Fargo works. I checked two accounts I have that I regular transfer between to see what they are coded as. Discover won't work as it's coded as "P2P". Thinking the Wells Fargo might as when my transfers go through, they're coded as "ACH Deposit from Wells Fargo".

any update ?
Reply
Joined Jun 2018
New User
> bubble2 7 Posts
10 Reputation
StrongCreature1667
11-20-2020 at 12:10 PM.
11-20-2020 at 12:10 PM.
in my case, coupon code was auto populated and i finished the account opening, but never received any email with confirmation that, code was applied. Is this normal or is there a way to confirm?
Reply
Joined Jun 2017
L1: Learner
> bubble2 21 Posts
10 Reputation
ononlo622
11-20-2020 at 12:14 PM.
11-20-2020 at 12:14 PM.
what is capital one refers friend bonus amount? I don't see any information in my account
Reply
Joined Feb 2012
L3: Novice
> bubble2 256 Posts
30 Reputation
woozdeals
11-20-2020 at 12:20 PM.
11-20-2020 at 12:20 PM.
Quote from erapmicks View quoted comment :
Same boat. My paycheck DD from employer shows as "Transfer"

Wow. That stinks.
Reply

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Joined Dec 2012
Check it out
> bubble2 1,480 Posts
232 Reputation
NewBuy_Slick
11-20-2020 at 12:25 PM.
11-20-2020 at 12:25 PM.
Quote from oliviajagger View quoted comment :
All sorts of different opinions on this thread. I called and was told they do a soft pull . The rep told me she had no idea which credit report co. they would check. I unlocked all three for 24 hours. I also did not add money until today and the bonus did apply to my account.
which one you use to lock the credit ?
Reply
Joined Feb 2005
Adicted to SD
> bubble2 2,750 Posts
984 Reputation
JSquare
11-20-2020 at 12:44 PM.
11-20-2020 at 12:44 PM.
None of the 4 transfers made in the past few days show as ACH but as "Electronic transfer".
The funny thing that all my previous transfers from PayPal to my old Capital One Online Checking account are listed as ACH.
Reply
Joined Dec 2012
L5: Journeyman
> bubble2 951 Posts
418 Reputation
dj24
11-20-2020 at 01:23 PM.
11-20-2020 at 01:23 PM.
Quote from chikachic817 View quoted comment :
If anyone is still wondering where to enter the promo code, here is a screenshot showing the location. You do see the code being applied on the page confirming the opening of the account. Shows the code applied at the bottom
Like most I never got the code to show up on the confirmation final page. I made sure to retype it in the prior screen and made sure I didn't forget.

I think most people that are getting the code confirmation on the final page have probably been targeted first via e-mail or some other way..
Reply
Joined Jan 2013
L4: Apprentice
> bubble2 475 Posts
110 Reputation
adwi
11-20-2020 at 01:30 PM.
11-20-2020 at 01:30 PM.
Anyone not sure when they last had a 360 Checking can call 1-800-289-1992. I had a 360 savings(not checking) that I closed Feb 2019, so looks like I am good to get this bonus, confirmed by the agent on phone
Reply
Joined Oct 2016
L2: Beginner
> bubble2 40 Posts
18 Reputation
msmith2077
11-20-2020 at 01:34 PM.
11-20-2020 at 01:34 PM.
Quote from woozdeals View quoted comment :
Wow. That stinks.
So does mine but it states dd payroll as well so I'm sure its good.
Reply
Joined Sep 2009
L6: Expert
> bubble2 1,344 Posts
1,229 Reputation
JosiahFam
11-20-2020 at 03:40 PM.
11-20-2020 at 03:40 PM.
Can we get a list of working and nonworking DD in the wiki or something
Reply
Joined Jun 2019
L2: Beginner
> bubble2 2,215 Posts
523 Reputation
Fanime
11-20-2020 at 03:44 PM.
11-20-2020 at 03:44 PM.
Quote from JosiahFam View quoted comment :
Can we get a list of working and nonworking DD in the wiki or something
There are no recent ones. No one has gotten their bonuses. There is no point.

You can go to DOC and refer to DPs from 3 years ago, but anything else is just based on speculation and assumptions.

TBH, you'll probably see a lot of crying here within a few months, "oh but the customer service guy said my xxx transfer would work"
Reply
Last edited by Fanime November 20, 2020 at 03:49 PM.

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Joined Dec 2015
L5: Journeyman
> bubble2 866 Posts
1,370 Reputation
BoonJuice
11-20-2020 at 06:44 PM.
11-20-2020 at 06:44 PM.
If the 400bonus promo is showing up at the end of signup, that means I did it correctly, right?
I funded it with $25 and added the promo code
Reply
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